Xoom review
A broad personal transfer service with bills, reloads, tracking and upfront pricing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Xoom is a PayPal service for sending money internationally to friends and family. It is designed for personal transfers rather than business payments, with delivery to bank accounts, debit cards and mobile wallets, plus cash pickup and home delivery in supported destinations. The service is available on the web, iOS and Android, and also supports international bill payments and prepaid mobile-phone reloads. Its recipient options make it suitable for senders whose recipients use different ways to receive money.
Xoom’s breadth is its main strength. A single service covers bank, card, wallet and cash delivery, while bill payments and mobile reloads extend it beyond a basic transfer app. Transfer status tracking helps senders follow a transaction, and the service provides upfront fee and exchange-rate disclosure. PayPal integration also gives Xoom a clear connection to the PayPal ecosystem. Delivery speed is listed as instant, although the available method and timing depend on the destination, payment method and transaction details.
Pricing requires attention before each transfer. According to the published pricing information, fees vary by destination, payment method, amount, payout currency and delivery method rather than following one universal rate. Xoom also uses a markup exchange rate, and its paid model does not include a free plan. Choose Xoom if you need several recipient methods together with bill payments, mobile reloads and tracking. Consider an alternative if avoiding exchange-rate markups or finding a free-plan option matters more than having a wide range of delivery choices.
Xoom pros and cons
- Where it wins
- Supports bank, debit-card, wallet, cash pickup and home delivery
- Adds international bill payments and prepaid mobile reloads
- Shows fees, exchange rates and transfer status upfront
- Where it doesn't
- Uses a markup exchange rate
- No free plan
- Fees and delivery options vary by destination and transaction details
Xoom fact sheet, pricing and score →
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